Preferred Bank
Preferred Bank provides various banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, professionals, and high net worth individuals. The company accepts checking, savings, and money market deposit accounts; fixed-rate and fixed maturity retail, and non-retail certificates of deposit; and individual retirement accounts. It also provides real estate… Read more
Preferred Bank (PFBC) - Net Assets
Latest net assets as of September 2025: $775.64 Million USD
Based on the latest financial reports, Preferred Bank (PFBC) has net assets worth $775.64 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($7.47 Billion) and total liabilities ($6.69 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $775.64 Million |
| % of Total Assets | 10.39% |
| Annual Growth Rate | 11.86% |
| 5-Year Change | 34.56% |
| 10-Year Change | 164.87% |
| Growth Volatility | 19.27 |
Preferred Bank - Net Assets Trend (2002–2025)
This chart illustrates how Preferred Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Preferred Bank (2002–2025)
The table below shows the annual net assets of Preferred Bank from 2002 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $789.48 Million | +3.45% |
| 2024-12-31 | $763.15 Million | +9.79% |
| 2023-12-31 | $695.11 Million | +10.26% |
| 2022-12-31 | $630.43 Million | +7.45% |
| 2021-12-31 | $586.72 Million | +11.66% |
| 2020-12-31 | $525.45 Million | +11.79% |
| 2019-12-31 | $470.01 Million | +12.81% |
| 2018-12-31 | $416.65 Million | +17.36% |
| 2017-12-31 | $355.03 Million | +19.11% |
| 2016-12-31 | $298.06 Million | +12.84% |
| 2015-12-31 | $264.14 Million | +12.39% |
| 2014-12-31 | $235.03 Million | +13.59% |
| 2013-12-31 | $206.92 Million | +10.16% |
| 2012-12-31 | $187.84 Million | +18.85% |
| 2011-12-31 | $158.05 Million | +11.83% |
| 2010-12-31 | $141.33 Million | +65.55% |
| 2009-12-31 | $85.37 Million | -37.91% |
| 2008-12-31 | $137.49 Million | -10.11% |
| 2007-12-31 | $152.95 Million | +4.81% |
| 2006-12-31 | $145.93 Million | +17.83% |
| 2005-12-31 | $123.85 Million | +61.24% |
| 2004-12-31 | $76.81 Million | +13.39% |
| 2003-12-31 | $67.74 Million | +13.05% |
| 2002-12-31 | $59.92 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Preferred Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 0.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $789.48 Million | 100.00% |
| Total Equity | $789.48 Million | 100.00% |
Preferred Bank Competitors by Market Cap
The table below lists competitors of Preferred Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
C3 AI INC. CL.A DL -001
F:724
|
$1.00 Billion |
|
Delek Logistics Partners LP
NYSE:DKL
|
$1.00 Billion |
|
SAGILITY INDIA LIMITED
NSE:SAGILITY
|
$1.00 Billion |
|
Suzhou Secote Precision Electronic Co Ltd Class A
SHG:603283
|
$1.00 Billion |
|
PT Pantai Indah Kapuk Dua Tbk
JK:PANI
|
$999.83 Million |
|
Primax Electronics Ltd
TW:4915
|
$999.75 Million |
|
Strathcona Resources Ltd.
PINK:STHRF
|
$999.67 Million |
|
REalloys Inc.
NASDAQ:ALOY
|
$999.45 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Preferred Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 763,152,000 to 789,477,000, a change of 26,325,000 (3.4%).
- Net income of 133,632,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 27,457,000.
- Other factors decreased equity by 134,764,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $133.63 Million | +16.93% |
| Other Comprehensive Income | $27.46 Million | +3.48% |
| Other Changes | $-134.76 Million | -17.07% |
| Total Change | $- | 3.45% |
Book Value vs Market Value Analysis
This analysis compares Preferred Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.45x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.56x to 1.45x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $34.90 | $89.37 | x |
| 2003-12-31 | $41.40 | $89.37 | x |
| 2004-12-31 | $44.09 | $89.37 | x |
| 2005-12-31 | $60.74 | $89.37 | x |
| 2006-12-31 | $69.13 | $89.37 | x |
| 2007-12-31 | $72.28 | $89.37 | x |
| 2008-12-31 | $70.08 | $89.37 | x |
| 2009-12-31 | $27.50 | $89.37 | x |
| 2010-12-31 | $20.69 | $89.37 | x |
| 2011-12-31 | $12.16 | $89.37 | x |
| 2012-12-31 | $14.18 | $89.37 | x |
| 2013-12-31 | $15.48 | $89.37 | x |
| 2014-12-31 | $17.26 | $89.37 | x |
| 2015-12-31 | $19.31 | $89.37 | x |
| 2016-12-31 | $21.31 | $89.37 | x |
| 2017-12-31 | $24.50 | $89.37 | x |
| 2018-12-31 | $27.67 | $89.37 | x |
| 2019-12-31 | $31.21 | $89.37 | x |
| 2020-12-31 | $35.30 | $89.37 | x |
| 2021-12-31 | $39.47 | $89.37 | x |
| 2022-12-31 | $42.57 | $89.37 | x |
| 2023-12-31 | $48.74 | $89.37 | x |
| 2024-12-31 | $56.30 | $89.37 | x |
| 2025-12-31 | $61.50 | $89.37 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Preferred Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 16.93%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.78%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 9.63x
- Recent ROE (16.93%) is above the historical average (7.81%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 7.35% | 17.35% | 0.04x | 11.78x | $-1.59 Million |
| 2003 | 4.07% | 7.02% | 0.05x | 11.25x | $-4.02 Million |
| 2004 | 14.52% | 26.03% | 0.05x | 11.81x | $3.47 Million |
| 2005 | 13.59% | 76.34% | 0.02x | 9.18x | $4.44 Million |
| 2006 | 16.00% | 25.03% | 0.07x | 9.24x | $8.76 Million |
| 2007 | 17.30% | 22.88% | 0.08x | 10.09x | $11.17 Million |
| 2008 | -3.65% | -5.51% | 0.06x | 10.79x | $-18.76 Million |
| 2009 | -84.96% | -110.99% | 0.05x | 15.31x | $-81.07 Million |
| 2010 | -11.89% | -40.02% | 0.03x | 8.89x | $-30.94 Million |
| 2011 | 7.74% | 25.36% | 0.04x | 8.29x | $-3.57 Million |
| 2012 | 12.71% | 42.29% | 0.04x | 8.28x | $5.09 Million |
| 2013 | 9.28% | 26.32% | 0.04x | 8.55x | $-1.49 Million |
| 2014 | 10.46% | 28.91% | 0.04x | 8.74x | $1.09 Million |
| 2015 | 11.26% | 30.02% | 0.04x | 9.84x | $3.33 Million |
| 2016 | 12.20% | 28.51% | 0.04x | 10.81x | $6.56 Million |
| 2017 | 12.22% | 26.64% | 0.04x | 10.62x | $7.89 Million |
| 2018 | 17.04% | 34.81% | 0.05x | 10.12x | $29.33 Million |
| 2019 | 16.67% | 33.64% | 0.05x | 9.85x | $31.37 Million |
| 2020 | 13.22% | 31.53% | 0.04x | 9.79x | $16.92 Million |
| 2021 | 16.23% | 43.53% | 0.04x | 10.31x | $36.57 Million |
| 2022 | 20.44% | 42.75% | 0.05x | 10.19x | $65.80 Million |
| 2023 | 21.59% | 31.14% | 0.07x | 9.58x | $80.53 Million |
| 2024 | 17.12% | 25.11% | 0.08x | 9.07x | $54.35 Million |
| 2025 | 16.93% | 26.78% | 0.07x | 9.63x | $54.68 Million |
Industry Comparison
This section compares Preferred Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Preferred Bank (PFBC) | $775.64 Million | 7.35% | 8.63x | $1.00 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |